Okaloosa County property record for 405 Evans Rd, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 3,601 sqft · built 2003 |
| Lot Size | 0.244 acres (10,648 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $736,500 (Jul 2025) |
| Tax Bill | $7,116 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7139-1 |
| Primary APN | C56-000-594-7139-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,601 sqft Living Area |
| Gross Area | 5,440 sqft |
| 1st Floor Area | 3,601 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,648 sqft (0.244 acres) |
| Lot Width | 76 ft Width |
| Garage Type | Attached |
| Garage Area | 621 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 65 sqft |
| Patio Area | 1,153 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 EVANS RD |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REPLAT OF TOWER ACRES LOT 3 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | REPLAT OF TOWER ACRES |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 21002 |
Source: Okaloosa County records, as of June 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 EVANS RD, NICEVILLE, FL 32578-4546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Aug 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on Record |
| Deed Sale | Jul 7, 2025 · Amount on Record |
| Prior Sale | Aug 5, 2022 · Amount on Record |
| Deed Document Number | 20253762560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 26, 2026 |
| Property Address | 405 EVANS RD, NICEVILLE, FL 32578-4546 |
| Document Number | 0003818610 |
| Instrument Date | May 20, 2026 |
| Instrument | 20263818610 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET MORTGAGE LLC |
| Name | Verified Name |
|---|---|
| Address | 405 EVANS RD, NICEVILLE, FL 32578-4546 |
| Investor | Possibly a Property Investor |
| Document Number | 0003818610, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20263818610 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 5, 2022 |
| Property Address | 405 EVANS RD, NICEVILLE, FL 32578-4546 |
| Document Number | 0036363023 |
| Book / Page | 3636 / 3023 |
| Map Reference | MB 19 PG 31 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 3569864 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4817 N GREENTREE DR E, 4817, LITCHFIELD PARK, AZ 85340-5035 |
| Name | Verified Name |
|---|---|
| Address | 405 EVANS RD, NICEVILLE, FL 32578-4546 |
| Document Number | 0036363025 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 3636/3025 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 1, 2052 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,116.00 (-5.74%) | $642,773 (+1.32%) Land $64,350 Building $578,423 | $642,773 (+1.32%) Land $64,350 Building $578,423 |
| 2023 | $7,549.00 (+14.52%) | $634,425 (+6.46%) Land $54,316 Building $580,109 | $634,425 (+6.46%) Land $54,316 Building $580,109 |
| 2022 | $6,592.00 | $595,952 Land $51,729 Building $544,223 | $595,952 Land $51,729 Building $544,223 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 218 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 units insured incl. 60 condo units |
| Nearby Flood Claims | 89 (1994–2020) |
| Claims Outside the SFHA | 20 of 89 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OKALOOSA COUNTY BLUEWATER BAY-RAINTREE serves 17,592 people · EPA ID FL1460775 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 360 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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